348 Spendmore Lane, Coppull, Chorley, PR7 5DH

UPRN:100010385692Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (70)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

348 Spendmore Lane, Coppull, Chorley, PR7 5DH

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£206,000

£186k - £227kMedium

Estimate

£206k

Range

£186k – £227k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

8.12%

Verdict

Derived from HomePortfolio scores

348 Spendmore Lane earns an INVESTIGATE rating with HP Score 83/100. Investment score 76/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (71/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

83/ 100

Strong

Investment Score

76/ 100

High

Crime Score

10/ 100

Low

Walkability

71/ 100

High

Transit & Bike

Transit 8Bike 30

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 17% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +17.5% (MEDIUM)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100010385692· as of 13 Oct 2026
Rental economics24.9/40
gross yield 8.1%; range width penalty ×1.00; the estimate this rent rides on sits 17% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1150/mo (range 1100-1200)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2/mo, -0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 5 Nov 2026
Risk & liquidity12.9/15
769 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£127,500£195,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£169,995

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £53,199
Net cash flow: £222/mo
Cash on cash: 5.0%
Score at this price: 38

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.00 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 100010385692Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1200)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1150/mo (range 1100-1200)
Rental economics needs verification before you rely on it
sale estimate 17% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£206,000

Rent Estimate (pcm)£1,150

Gross Yield8.12%

1y Growth-

3y Growth+4.1%

5y Growth+4.2%

10y Growth+3.7%

Last Sold Price£115,000 (2008-05-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PR7 5DH

Approval Rate

-12mo

Development

low

26/00918/MNMA
Minor non-material amendment to planning permission ref: 22/00362/FUL (Erection of a battery energy storage system (BESS) and associated infrastructure) involving a revision to the wording of conditions 4, 5, 7, 8, 11, 13, 14, 17, 19, 20, 21 and 23 in order to allow the temporary construction compound to be built and entrance bellmouth to be created in advance of the submission of details required by the referenced conditions
Pending
26/00915/DIS
Application to discharge condition 6 (scheme for the construction of access to the temporary compound) of planning permission ref: 22/00362/FUL (Erection of a battery energy storage system (BESS) and associated infrastructure)
Pending
26/00910/FULHH
Single storey side extension
Pending

View Planning Timeline

Ownership

Corporate Ownership60.5%
Overseas OwnershipNo
Lease Term Remaining865 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-05-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,337

Population Density467 /km²

Owner Occupied83%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

St Oswald's Catholic Primary School, Coppull
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Coppull Primary School and Nursery
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Coppull St John's Church of England Voluntary Aided Primary School
0.5 mi
Good
Coppull Parish Church of England Primary School
0.9 mi
Good

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

318 Spendmore Lane
-
£370k
-
342 Spendmore Lane
-
£195k
-
352 Spendmore Lane
-
£120k
-
342 Spendmore Lane
-
£168k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN